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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £147,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £450 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Total Estimated Refurb | £1,700 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Builders in Sunderland, House Extensions in Sunderland | 07482796053 | — |
| decorator | Painter and Decorator Sunderland | SR1 SR2 SR3 | 01917436008 | — |
| photographer | Brenden Ward Photography | Professional photographer | 07717207447 | — |
Property Details
- Asking Price
- £160,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £9,088 | £164,800 | £6,098 | £98 | £4,898 | 9.3% |
| Yr 3 | £9,548 | £174,836 | £6,430 | £790 | £15,626 | 29.6% |
| Yr 5 | £10,031 | £185,484 | £6,778 | £2,169 | £27,653 | 52.4% |
| Yr 10 | £11,350 | £215,027 | £7,727 | £8,858 | £63,884 | 121.0% |
| Yr 15 | £12,841 | £249,275 | £8,801 | £20,660 | £109,935 | 208.2% |
| Yr 20 | £14,529 | £288,978 | £10,016 | £38,248 | £167,226 | 316.7% |
| Yr 25 | £16,438 | £335,004 | £11,390 | £62,382 | £237,386 | 449.6% |
| Yr 30 | £18,598 | £388,362 | £12,945 | £93,921 | £322,283 | 610.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — North East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 4.8% | 2.9% | £-269 | -13.5% |
| Conservative | £704 | 5.3% | 3.4% | £-94 | -2.0% |
| Base | £757 | 5.7% | 3.8% | £8 | 2.8% |
| Optimistic | £818 | 6.1% | 4.3% | £118 | 8.2% |
| Bull | £893 | 6.7% | 4.8% | £242 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●3.81% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£727) · mgmt 10% (−£909) · maint 10% (−£909) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.18% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £1,683 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 4.8% | 2.9% | £-269 | -13.5% |
| Conservative | £704 | 5.3% | 3.4% | £-94 | -2.0% |
| Base | £757 | 5.7% | 3.8% | £8 | 2.8% |
| Optimistic | £818 | 6.1% | 4.3% | £118 | 8.2% |
| Bull | £893 | 6.7% | 4.8% | £242 | 15.1% |
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